EMI vs SIP for ₹4,500,000

6 Years @ 12%

Original Plan

6 Years @ 12%

EMI: ₹ 87,976

Extended Plan

11 Years (Reduced EMI)

EMI: ₹ 61,550

Monthly Savings

₹ 26,425

SIP Investment

@ 12% for 11 years

₹ 7,256,810

Extra Interest Paid

₹ 1,790,398

Final Outcome

₹ 5,466,412

Profit from SIP strategy

Analysis

For ₹4,500,000 loan at 12%, investing savings can generate ₹7,256,810.

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